2009 is a historical year for our country and our industry.
Do you have the education and information to carry you through the changing times and survive the current regulatory climate?
You have got to know the law...
You have got to be in compliance...
Do you even know where to begin?

With our changing industry in mind, Paul Donohue brings you two new national law courses designed to be SAFE Act compliant.

Security for an Insecure Time:
Privacy, Information Security and the Red Flags Rule

Responsible Lending:
The Ethical Imperative

Scroll down for more intormation and to register.



Security for an Insecure Time:
Information Security, Privacy and the Red Flags Rule - 4-hrs, Live CE
This course is approved for multiple state CE credit and is designed to be SAFT Act compliant.

Protecting an individual’s private identifying information is one of the most profoundly personal issues of our time. It is the consumer’s new litmus test when choosing a mortgage provider. The latest research links your commitment to privacy and security to your reputation, credibility and trustworthiness.

…However, that is only half the story.

It is now a matter of law. On November 1, 2008 all financial institutions and more than 11 million other service providers must be in compliance with the new Red Flags Rule.

Note: A Red Flag is not some obscure security breach that may not ever happen. There are 26 different Red Flags and they are taking place every day in your business.

Knowing what you are required to do as they occur and having your Program in place will determine if you stay in business or not.

Security for and Insecure Time will teach you what to do and how to get into compliance, fast!

Here are the topics this course will cover:

• Red Flags Rule – Section 114
Develop and Implement an Identity Theft Prevention Program

• Address Discrepancy Rule – Section 315
Procedures upon receiving notice of address discrepancy

• The Problem Illuminated
Staying out front of fraud and identity theft

• FCRA and FACTA
A quick review of the new amendments

• GLBA – Privacy of Consumer Information Rules
Knowing your risks, the Privacy and Safeguards Rule

• USA PATRIOT Act (USAPA)
Tune up your Customer Identification Program (CIP)

• Responsible Information Management (RIM)
Creating a safer information ecosystem is everyone’s business

These and other vital issues will be fully explored. You will leave this class knowing what to do to protect your borrowers and yourself in this “Insecure Time.”

… It’s not an option to ignore your duties.

Join us for, Security for an Insecure Time.

Click on the date below for details and to register:
Charlotte, NC - Wednesday, March 18 - 8:30AM - 12:30PM

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Responsible Lending:
The Ethical Imperative - 4-hrs, Live CE
This course is approved for multiple state CE credit and is designed to be SAFT Act compliant.

It’s a Whole New Era
In all the uncertainty across the industry and in your business there is one emerging truth that is becoming crystal clear to everyone.

“Our mortgage industry is going through a transformation and being reformed from top to bottom.”
The critical question that you must answer is this:

How do these reforms affect me and what new responsibilities will I be accountable for?

Join us for:
Responsible Lending:
The Ethical Imperative
All New for 2009
In this 4-hour course you will explore the mortgage industry’s new paradigm of Responsibility Lending. You will learn what it means to you and how you must adjust your practices to protect yourself, your organization and build your business.

Once again, Paul Donohue, master instructor and mortgage industry activist brings to you a revealing look at the newest thinking, freshest ideas and cutting edge principles for prospering in this new market. This power-packed course will challenge old attitudes and question your current thinking.

WARNING: If you are thin-skinned and unwilling to change, do not attend.

Here is a peek at the course content to whet your appetite:

• Ethics, what it is and what it is not
• Personal Character, why is matters today
• The transformation of a broken system
• Consumer doubt and the Ethical Imperative
• The decisive factor of “Trust” and how to earn it
• Your role in creating an Ethical Culture
• Why Integrity matters and how to position it
• Essential tools for ethical decision making
• Failsafe ethical guides for the real world
• Everything about the Fair Lending Laws you did not know
• Avoiding the 3 killer Discrimination Traps
• Proper disclosure to protect yourself
• Creating the perception of “Fairness”
• Protecting our sacred Property Rights
• Exploring discriminatory scenarios and role plays
• The Responsible Lending Imperative and your role
• “Duties of Care” and four new standards you must learn
• Leveraging Expertise to differentiate yourself
• Mastering the three “C’s” of Expertise
• The scourge of Predatory Lending and your new duties
• A look ahead to map your course and:
• Much, Much More

This course will not be preachy... That’s not what you need. This course will not place blame, rather, it will offer solutions and a way forward as we usher in the new “Responsibility Lending” era.

I am an optimist, excited about the future and looking forward to engaging you in a thought provoking exploration of this historic transformation of our business. Until we meet, here is a concept to ponder:

“The thinking, attitudes and market approaches that were your formulas for success in the old paradigm will be the formulas for failure in the new.”
Join me for:
Responsible Lending:
The Ethical Imperative
I look forward to seeing you in class.

My Best,
Paul Donohue


These are just some of the questions answered when you attend
Responsible Lending: The Ethical Imperative

Click on the date below for details and to register:
Charlotte, NC - Wednesday, March 18 - 1:30PM - 5:30PM

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